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Shane from Prodigy Finance explains that as a loan applicant, you need to be in your study country to digitally sign your loan agreement. One month before your funds are due, you will receive an email to e-sign the agreement from your new school of study. This is because funds are sent directly to your school to avoid complex international transfers and prevent unwanted interest accrual. If you cannot sign by the due date, you can contact them to extend it.